If you have Medicare and you are considering therapy, you may be wondering whether seeing a therapist online is covered the same way as visiting an office. For most people with Medicare Part B, outpatient mental health services — including individual therapy provided through a secure video platform — are covered benefits when the provider is qualified and accepts Medicare.
What Medicare generally covers
- Individual therapy with a licensed mental health professional, in person or through telehealth.
- Screenings and assessments for concerns like depression and anxiety.
- Group therapy in many cases, when it is part of your treatment.
- Medication management and psychiatric evaluations, when needed.
With Original Medicare, you typically pay the Part B deductible and then a percentage of the approved amount for each session. Medicare Advantage plans work differently — copays and networks vary by plan, so it is always worth confirming your specific benefits before starting.
Is telehealth therapy really covered?
Medicare has continued to cover mental health services delivered by secure video, and telehealth has become a common way for Florida residents to see a licensed therapist without traveling. Coverage rules can change, and some plans have their own telehealth policies, which is why verifying your benefits ahead of time matters. A good practice will help you do this before your first appointment so there are no surprises.
What to ask before you book
- Do you accept Medicare, and are you able to see Medicare clients via telehealth in Florida?
- What will my estimated cost per session be after my deductible?
- Can you help me verify my benefits before my first session?
- If I have a Medicare Advantage plan, are you in-network?
Online therapy with Medicare at Therapy Clips
Therapy Clips accepts Medicare and offers secure virtual sessions statewide across Florida. Toni C. Gayle, LMHC, provides individual therapy for concerns including anxiety, depression, grief, life transitions, and trauma — all through a confidential telehealth platform you can use from home. You can learn more about coverage, superbills, and your Good Faith Estimate on our Insurance & Fees page.
Have Medicare and considering therapy? We can help you verify your benefits before you commit to anything.
Ask About Your CoverageFrequently asked questions
Does Medicare pay for online therapy sessions?
In many cases, yes. Medicare Part B generally covers outpatient mental health services, including therapy delivered through secure telehealth, when provided by a qualified, Medicare-enrolled clinician. Your exact cost depends on your deductible and plan.
Do I need to live near my therapist if I have Medicare?
No. With telehealth, you can see a therapist who is licensed in Florida from anywhere in the state. Therapy Clips is based in Homestead and serves clients statewide online.
What if I have a Medicare Advantage plan?
Medicare Advantage plans set their own copays and networks. Contact us and we will help you verify whether your plan covers sessions at Therapy Clips before you begin.
This article is educational and not a substitute for emergency care or official Medicare guidance. If you are in immediate danger, call 911, or call or text 988 for the Suicide & Crisis Lifeline.